Reach Out

They are ready to help you get the support you need.

WHAT SHOULD I DO IF I AM WORRIED ABOUT PAYING MY MORTGAGE? 

It’s important to contact your lender straight away if you think you might have difficulty making your mortgage repayments. The sooner you get in touch with them the better. 

This includes if you are coming to the end of your fixed-rate mortgage deal and want to look at  different options.   

Don’t wait until you have missed a payment to contact your lender, they are ready to help even if you are up to date with your payments. The earlier you contact your lender, the more options they will have available and the sooner they will be able to help you. 

Lenders have trained and experienced staff who can help you consider the different options available and find one that is most appropriate for your specific circumstances. 

Simply contacting your mortgage lender to find out what options are available will not affect your credit score, but missing your payments will.  

WHAT CAN MY LENDER DO TO HELP? 

Lenders have a range of support options available to help you if you are struggling. This could include:

• Help with budgeting 

• Temporarily reducing your mortgage payments

• Changing your mortgage product

Your lender will advise on the best option for you, depending on your circumstances.

HOW DO I CONTACT MY LENDER? 

You can contact your lender by visiting their website.

Please visit your lender’s website in the first instance, where you will find more details about the support available.

You can also contact your lender by telephone and in branch.

WHAT INFORMATION WILL MY LENDER NEED? 

Your lender will need some details to help identify you and your account. It would be useful to have your account number to hand when you contact them. This can be found on your monthly or annual statements, any letters you have received from your lender, or in your ‘account overview’ if you bank online.  

Your lender may also ask you some questions about your income and outgoings to understand your financial circumstances, so it would also be helpful to have these handy before you make the call.